Vehicle insurance is a very important source of income for insurance companies, and it is closely related to the driving style performed by driving behavior. Different driving styles can better reflect the driving risk than the number of violations, claims, and other static statistic data. Subdivide the vehicle insurance market according to the personal characteristics and driving habits of the insured vehicles, and studying the personalized vehicle insurance products, will help the insurance companies to improve their income, help the drivers to change their bad driving habits, and thus help to realize the healthy development of the vehicle insurance industry. In the past 20 to 30 years, more and more insurance companies around the world have launched vehicle usage-based insurance (UBI) products based on driving style analysis. However, up to now, there are few comprehensive reports on commercial vehicle UBI products and their core driving risk assessment methods. On the basis of literature indexing on the Web of Science and other academic platforms by using the keywords involved in vehicle UBI, over 100 relevant works of literature were screened in this paper, and a detailed and comprehensive discussion on the driving style evaluation methods and the design of commercial vehicle UBI products during the past 20 to 30 years has been made, hoping to get a full understanding of the possible factors affecting driving style and the collectible data that can reflect these factors, and to get a full grasp of the developing status, challenges and future trends in vehicle insurance branch of the Internet of Vehicles (IoV) industry.
In order to make better use of massive network comment data for decision-making support of customers and merchants in the big data era, this paper proposes two unsupervised optimized LDA (Latent Dirichlet Allocation) models, namely, SLDA (SentiWordNet WordNet-Latent Dirichlet Allocation) and HME-LDA (Hierarchical Clustering MaxEnt-Latent Dirichlet Allocation), for aspect-based opinion mining. One scheme of each of two optimized models, which both use seed words as topic words and construct the inverted index, is designed to enhance the readability of experiment results. Meanwhile, based on the LDA topic model, we introduce new indicator variables to refine the classification of topics and try to classify the opinion target words and the sentiment opinion words by two different schemes. For better classification effect, the similarity between words and seed words is calculated in two ways to offset the fixed parameters in the standard LDA. In addition, based on the SemEval2016ABSA data set and the Yelp data set, we design comparative experiments with training sets of different sizes and different seed words, which prove that the SLDA and the HME-LDA have better performance on the accuracy, recall value, and harmonic value with unannotated training sets.
User relationship prediction in the transaction of Blockchain is to predict whether a transaction will occur between two users in the future, which can be abstracted into the link prediction problem. The link prediction can be categorized into the positive one and the negative one. However, the existing negative link prediction algorithms mainly consider the number of negative user interactions and lack the full use of emotion characteristics in user interactions. To solve this problem, this paper proposes a negative link prediction algorithm based on the sentiment analysis and balance theory. Firstly, the user interaction matrix is constructed based on calculating the intensity of emotion polarity for social network texts, and a reliability weight matrix (noted as RW-matrix) is constructed based on the user interaction matrix to measure the reliability of negative links. Secondly, with the RW-matrix, a negative link prediction algorithm is proposed based on the structural balance theory by constructing negative link sample sets and extracting sample features. To evaluate the performance of the negative link prediction algorithm proposed, the variable management method is used to analyze the influence of negative sample control error and other parameters on the accuracy of it. Compared with the existing prediction benchmark algorithms, the experimental results demonstrate that the proposed negative link prediction algorithm can improve the accuracy of prediction significantly and deliver good performances.
Click-through rate (CTR) prediction, which aims to predict the probability of a user clicking on an ad, is a critical task in online advertising systems. The problem is very challenging since(1) an effective prediction relies on high-order combinatorial features, and(2)the relationship to auxiliary ads that may impact the CTR. In this paper, we propose Deep Context Interaction Network on Attention Mechanism(DCIN-Attention) to process feature interaction and context at the same time. The context includes other ads in the current search page, historically clicked and unclicked ads of the user. Specifically, we use the attention mechanism to learn the interactions between the target ad and each type of auxiliary ad. The residual network is used to model the feature interactions in the low-dimensional space, and with the multi-head self-attention neural network, high-order feature interactions can be modeled. Experimental results on Avito dataset show that DCIN outperform several existing methods for CTR prediction.
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